Inside The Plan With The 401(k) Brothers

著者： Bill Bush and Andy Bush
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  • Inside The Plan With The 401(k) Brothers is a production of Horizon Financial Group, located in Baton Rouge, LA. The show handles topics and questions that often arise from participants of company retirement plans. Bill Bush and Andy Bush are indeed brothers, but NOT twins. Registered Representatives offering securities and advisory services offered through Cetera Advisors LLC, member FINRA/SIPC, a broker/dealer and a Registered Investment Adviser. Cetera is under separate ownership from any other named entity. 15015 Jamestown Boulevard, Suite 100, Baton Rouge, LA 70810
    Horizon Financial Group 15015 Jamestown Boulevard, Suite 100, Baton Rouge, LA 70810
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Inside The Plan With The 401(k) Brothers is a production of Horizon Financial Group, located in Baton Rouge, LA. The show handles topics and questions that often arise from participants of company retirement plans. Bill Bush and Andy Bush are indeed brothers, but NOT twins. Registered Representatives offering securities and advisory services offered through Cetera Advisors LLC, member FINRA/SIPC, a broker/dealer and a Registered Investment Adviser. Cetera is under separate ownership from any other named entity. 15015 Jamestown Boulevard, Suite 100, Baton Rouge, LA 70810
Horizon Financial Group 15015 Jamestown Boulevard, Suite 100, Baton Rouge, LA 70810
個人ファイナンス 経済学
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  • Navigating Retirement: Key Considerations

    Navigating Retirement: Key Considerations
    2025/04/11
    In this episode of Inside the Plan, brothers Bill and Andy Bush explore the often-overlooked questions and concerns that shape a meaningful and financially secure retirement. From maintaining your health and managing family responsibilities to finding purpose and planning for long-term care, they walk through the major life areas that impact retirement income planning. With real-life examples, personal stories, and thought-provoking questions, the brothers offer a candid and practical guide for anyone approaching or envisioning retirement. 🕒 Chapters & Timestamps 00:00 – Introduction to Retirement Income Planning Bill and Andy kick off the episode by highlighting the importance of thinking ahead when it comes to income planning in retirement. They frame the conversation with reflective questions and common concerns that can shape a retirement experience. “We’ll throw out some questions you may not have considered—or this episode might just get you thinking, which is always good.” 04:06 – Health: The Foundation of Retirement The brothers stress how arriving at retirement healthy and debt-free creates a strong start. They touch on the value of staying active (hello, pickleball and walking!), maintaining social connections, and the importance of regular checkups and understanding your family health history. “Are you doing anything to maintain or pay attention to how you’re treating your body?” 08:43 – Family Dynamics and Responsibilities From aging parents to grandkids needing support, family dynamics heavily influence retirement plans. The brothers share stories of clients navigating long-term care and longevity within their families—and how it affects their outlook and planning. “Who are the important people in your life that are still alive? Are you going to need to care for them?” 12:40 – Work in Retirement: Expectations vs. Reality While many plan to work in retirement, the reality often differs due to health or shifting priorities. They examine the importance of staying current with skills, considering fulfillment, and deciding between part-time work or volunteering. “Are you going to get fulfillment out of it—or is it just about bringing in dollars?” 16:41 – Leisure Activities and Life’s Purpose Leisure is more than just pastimes—it’s a key part of fulfillment in retirement. From travel and hobbies to spending time with loved ones, the brothers explore how leisure intersects with values, energy, and curiosity in later life. “You don’t know when the last grain of sand is going through the hourglass… make the most of your time.” 19:55 – Housing Decisions: Downsizing, Costs & Lifestyle Where and how you live affects retirement costs and lifestyle. The brothers talk about downsizing, maintaining the family home, navigating mortgage decisions, and even multi-story homes vs. aging needs. “If you can reduce that spend rate… that’s better for you because things will happen.” 23:18 – Legacy Planning: More Than Just Money From writing memoirs to giving financial gifts during your lifetime, legacy is about passing on values, stories, and love—not just assets. They explore how to think through timing, impact, and the emotional side of legacy planning. “What would I want to leave the people I love? What do I want them to know about me?” 26:10 – Long-Term Care & End-of-Life Planning Only 10% of people carry long-term care insurance—but 70% will need some kind of care. The brothers stress the importance of planning for this, including powers of attorney, advance directives, and finding cost-efficient ways to prepare. “You’re not trying to pay for everything—just offset the impact on your overall wealth.” 29:05 – Final Thoughts & Getting Guidance Retirement is filled with unknowns, but you don’t have to go it alone. The episode closes with an encouragement to explore these topics and reach out for help navigating the journey. “You need trustworthy guides. It’s a foggy landscape, and you’ve never done it before.” 💡 Key Takeaways Health and debt status are key to starting retirement strong. Fitness routines can be social, budget-friendly, and personally fulfilling. Family responsibilities (parents, kids, grandkids) often influence timing and finances. Many retire earlier than expected—health is a big factor. Leisure and life’s purpose go hand-in-hand for a satisfying retirement. Housing decisions affect cost, comfort, and long-term flexibility. Legacy includes memories, values, and family stories—not just wealth. Long-term care planning is critical, even if insurance isn’t feasible. Trusted advisors can help guide the planning process. 🔊 Sound Bites “Who are the important people in your life?” “What is your life’s purpose after retirement?” “What if you had five years left—what would you do?” “A lot to think about in retirement planning.” Contact Info: Bill...
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    21 分
  • ITP-Risks in Retirement

    ITP-Risks in Retirement
    2025/03/13
    In this episode of Inside the Plan, the 401(k) Brothers, Bill and Andy Bush, explore the key risks retirees face and the importance of planning ahead to mitigate them. They discuss longevity risk, inflation, healthcare expenses, investment volatility, liquidity concerns, family responsibilities, and public policy changes, providing insights on how to prepare for a secure retirement. Key Takeaways ✔ Longevity Risk – Running out of money before you run out of life. ✔ Inflation Risk – The rising cost of living affects retirement budgets. ✔ Healthcare & Long-Term Care Risk – Increasing medical expenses and the need for caregiving support. ✔ Financial Elder Abuse – A growing threat from scams and even trusted individuals. ✔ Investment Risks – Stock market volatility, interest rate changes, and sequence of return risks. ✔ Liquidity Risk – The importance of keeping accessible cash reserves. ✔ Work-Related Risks – Counting on employment but facing health or job market obstacles. ✔ Loss of a Spouse – Financial and emotional adjustments following a partner’s passing. ✔ Public Policy Risk – Changes in Social Security, Medicare, and tax laws can impact retirement plans. Time-Stamped Chapters & Breakdown 📌 00:00 – Introduction: Why Planning for Risks Matters Bill and Andy introduce the variety of risks retirees face.Overview of how good planning can help navigate unexpected challenges. 📌 01:30 – Longevity Risk: Will Your Money Last? With increasing life expectancies, retirees need to plan for 30+ years of income.Key strategies: Annuities, diversified investments, and sustainable withdrawal rates. 📌 03:15 – Inflation Risk: The Erosion of Purchasing Power Over time, inflation can double the cost of living in retirement.Example: A $5,000/month budget today could need $10,000+ in 20 years.Ways to protect against inflation: Social Security COLAs, inflation-protected investments (TIPS), and adjustable withdrawal strategies. 📌 05:10 – Healthcare & Long-Term Care: The Cost of Aging Medical costs are rising faster than general inflation.70% of retirees will require long-term care assistance at some point. Mitigation strategies: Medicare planning, long-term care insurance, and HSAs (Health Savings Accounts). 📌 07:00 – Investment Risks: Navigating Market Uncertainty Market risk: Stock market volatility can impact retirement savings.Interest rate risk: Rising rates affect bond values and fixed-income investments.Sequence of return risk: A market downturn early in retirement can have long-term consequences.How to mitigate these risks: Diversification, maintaining a cash reserve, and gradual portfolio adjustments. 📌 09:00 – Liquidity Risk: Having Cash When You Need It Some assets, such as real estate or private equity, are not easily converted to cash.Importance of having liquid savings to cover emergencies and unexpected expenses.Balancing liquidity with long-term growth. 📌 10:20 – Financial Elder Abuse: Protecting Yourself from Scams Retirees are common targets for fraud and financial abuse.Warning signs: Unusual account activity, pressure to give money, and sudden changes in estate planning.Ways to stay protected: Trusted contacts, power of attorney, and financial monitoring. 📌 12:00 – Work-Related Risks: Can You Count on Employment? Many retirees assume they’ll be able to work part-time, but health or job market changes may prevent it.Reemployment risk: Older workers may struggle to find new jobs if they need additional income.Plan for financial independence, not reliance on future employment. 📌 13:30 – Family-Related Risks: Unexpected Financial Responsibilities Many retirees end up supporting adult children or grandchildren, impacting their savings.Importance of setting financial boundaries while still helping loved ones. 📌 14:30 – Loss of a Spouse: Emotional & Financial Adjustments The loss of a spouse can create a significant financial shift, especially with Social Security income reduction.Planning ahead: Survivor benefits, estate planning, and joint-and-survivor annuities. 📌 16:00 – Public Policy Risk: How Government Changes Affect You Social Security & Medicare uncertainties – will benefits be reduced in the future?Tax law changes can affect retirement withdrawals and income planning.Staying informed and adapting to new regulations is crucial. 📌 18:00 – Final Thoughts & Key Takeaways Anticipating risks and creating a plan helps mitigate their impact.“Don’t worry alone—worry with us and let’s plan together!” Sound Bites "What if you're still breathing at 95 or 97?""Financial elder abuse could be scams or even people they know taking advantage.""You have to plan and anticipate these risks." Connect with Us 💡 Have questions or concerns about your retirement plan? Don’t navigate these risks alone! Contact us: 📩 Bill Bush – bbush@horizonfg.com 📩 Andy Bush – abush@horizonfg.com...
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    20 分
  • Climbing the Steps to Financial Confidence

    Climbing the Steps to Financial Confidence
    2025/02/03
    In this episode, Bill and Andy Bush discuss the "7 Stages of Financial Well-Being," a concept developed by Money Coaches of Canada. They explore each stage, from financial chaos to financial fulfillment, and provide practical insights into how individuals can move up the financial staircase. With a focus on building confidence and intentionality, this episode is a roadmap for anyone seeking financial freedom and stability. Whether you're in financial chaos or nearing financial fulfillment, Bill and Andy share tips and strategies to help you navigate the emotions, behaviors, and actions needed to reach the next level. Time-Stamped Chapters: 00:08 – Welcome and Introduction: The 7 Stages of Financial Well-Being 02:20 – Defining Financial Confidence and Well-Being 03:30 – Stage 1: Financial Chaos—Understanding the Struggles and Emotions 06:00 – Stage 2: Financial Avoidance—Awareness and Desire to Change 06:50 – Stage 3: Financial Awareness—Taking Charge and Building a Plan 09:00 – Stage 4: Financial Stability—Basics in Place and Moving Forward 11:39 – Stage 5: Financial Security—Following a Plan and Managing Risk 13:55 – Stage 6: Financial Freedom—Living the Life You Want 16:11 – Stage 7: Financial Fulfillment—Spending and Giving Aligned with Values 18:27 – Steps to Move Up the Ladder—Intentional Planning and Guidance 20:00 – How to Seek Help and Resources for Financial Growth Sound Bites: "Financial confidence is about the freedom to make life choices without being overburdened by financial worries.""Organization brings about stability. When you know where everything is, you feel more in control.""If it is to be, it’s up to me.” Moving up the financial ladder starts with taking personal responsibility.""Financial fulfillment is about aligning your money with your values and using it as a tool to achieve your purpose." Main Takeaways: Financial Chaos: Characterized by disorganization, fear, and living paycheck to paycheck. Overcoming this stage requires addressing behavior and habits.Financial Awareness: The first step towards change involves acknowledging the problem and building a plan.Financial Stability: Basics like emergency savings and retirement contributions are in place, but continued effort and organization are key.Financial Fulfillment: At the top of the scale, money is no longer an obstacle but a tool to live a purposeful life aligned with values.Steps to Progress: Planning and intentionality are the antidotes to financial fear, and seeking guidance can provide the clarity needed to move forward. Resources: Money Coaches of Canada – Learn more about the "7 Stages of Financial Well-Being."Horizon Financial Group Resources—Explore tools and resources to improve your financial confidence. Contact Information: Bill Bush – bbush@horizonfg.comAndy Bush – abush@horizonfg.comHorizon Financial Group – Website Disclosures: The views depicted in this material are for information purposes only and are not necessarily those of Cetera Advisors LLC. They should not be considered specific advice or recommendations for any individual. Neither Cetera Advisors LLC nor any of its representatives may give legal or tax advice. Bill Bush and Andy Bush are registered representatives offering securities and advisory services through Cetera Advisors LLC, a broker/dealer and Registered Investment Adviser, member FINRA/SIPC. Cetera is under separate ownership from any other named entity. Address: 15015 Jamestown Boulevard, Suite 100, Baton Rouge, Louisiana 70810.
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    21 分

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